The Group Health Plan is a comprehensive health product specially
designed for corporate clients. This product provides coverage for
medical expenses incurred due to in-hospital care and ambulatory care
resulting from sickness, disease or accidental injuries. This product is
offered to employees as well as their dependents. It is offered
together with value-added services to ensure effective and efficient
healthcare delivery to insured employees and dependents (if covered) of
the Employer.
Inpatient Care includes coverage in case of an admission. Benefits such as Surgical Fees, Physician’s Fees, Daycare Procedure, and Second Surgical Opinion form part of the Inpatient Care coverage.
Supplementary Riders such as Out-Patient Clinical Benefit, Maternity Benefit, and Dental Benefit may also be included to the basic product. You may request for additional information on these supplementary riders from the respective sales manager and / or Takaful Ikhlas Takaful’s intermediary partner, if required.
These takaful benefits provide additional financial assistance to the Employer in meeting the respective medical expenses covered. The detailed explanation of the services is included in Part 4 under statement of work.
Comprehensive Coverage
Takaful Ikhlas/MediExpress offer comprehensive medical coverage which is inclusive of Long Term Care such as outpatient cancer treatment and kidney dialysis. We also do not impose pre-existing conditions (except congenital problems).
Value added features for Hospitalisation Care
- Coverage for pre-existing condition
- No waiting period for existing and new employees
- Outpatient physiotheraphy and physical theraphy is covered
- Long Term Care rehabilitation treatment on Outpatient basis (Radiotheraphy, Kidney Dialysis, Chemotheraphy)
- No co payment of total Medical bill for Room & Board upgrade. Member only needs to pay the difference of the Room & Board entitlement.
Group Insurance products that catered for Small & Medium Industries
- A master contract or master policy.
- Target Market – SMI Companies which have 50 to 100 employees
- Cash before cover
Benefits
- Worldwide coverage on Hospitalization & Surgical
- Medical Provider Network – 2,000 Panel GP Clinics & Major Hospitals nationwide
- Cashless Access to Medical Care (outpatient clinical only) with Compumed ID Card
- 24 Hours Toll Free Assistance
- Flexible Plan Design
- Affordable
- Administrative Ease
- Yearly renewable
- Wellness Program – Health Talk, HR Talk, Health Check, Syariah Talk,etc.
Medical Basic Benefit
- Hospitalization
Medical Optional Benefits :-
- Outpatient Care- General Practitioner (GP)
- Specialist (SP)
- Long Term Care
- Immediate Death Expenses
- Executive Screenin
